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SPFI Valuation

South Plains Financial Inc
$
39.210
-0.68(-1.705%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

SPFI Relative Valuation

SPFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SPFI is overvalued; if below, it's undervalued.

Historical Valuation

South Plains Financial Inc (SPFI) is now in the Fair zone, suggesting that its current forward PE ratio of 11.84 is considered Fairly compared with the five-year average of 10.53. The fair price of South Plains Financial Inc (SPFI) is between 31.15 to 40.67 according to relative valuation methord.
Relative Value
Fair Zone
31.15-40.67
Current Price:39.21
Fair
11.84
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
South Plains Financial Inc. (SPFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
South Plains Financial Inc. (SPFI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
2.96
PS
South Plains Financial Inc. (SPFI) has a current PS of 2.96. The 5-year average PS is 2.25. The thresholds are as follows: Strongly Undervalued below 1.41, Undervalued between 1.41 and 1.83, Fairly Valued between 2.68 and 1.83, Overvalued between 2.68 and 3.10, and Strongly Overvalued above 3.10. The current Forward PS of 2.96 falls within the Overvalued range.
0.00
P/OCF
South Plains Financial Inc. (SPFI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
South Plains Financial Inc. (SPFI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
South Plains Financial Inc (SPFI) has a current Price-to-Book (P/B) ratio of 1.40. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately 14.56% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about 21.45% higher. South Plains Financial Inc (SPFI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 14.59%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 14.07% , the current FCF yield is about -100.00% lower.
1.40
P/B
Median3y
1.22
Median5y
1.15
0.00
FCF Yield
Median3y
14.59
Median5y
14.07

Competitors Valuation Multiple

The average P/S ratio for SPFI's competitors is 2.49, providing a benchmark for relative valuation. South Plains Financial Inc Corp (SPFI) exhibits a P/S ratio of 2.96, which is 19.08% above the industry average. Given its robust revenue growth of 16.18%, this premium appears unsustainable.

Performance Decomposition

1Y
3Y
5Y
Market capitalization of SPFI increased by 21.41% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 44.74M to 51.98M.
The secondary factor is the Margin Expansion, contributed 12.90%to the performance.
Overall, the performance of SPFI in the past 1 year is driven by Revenue Growth. Which is more sustainable.
16.18%
44.74M → 51.98M
Revenue Growth
+
12.90%
24.89 → 28.10
Margin Expansion
+
-7.67%
13.22 → 12.21
P/E Change
=
21.41%
32.29 → 39.21
Mkt Cap Growth

FAQ

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Is South Plains Financial Inc (SPFI) currently overvalued or undervalued?

South Plains Financial Inc (SPFI) is now in the Fair zone, suggesting that its current forward PE ratio of 11.84 is considered Fairly compared with the five-year average of 10.53. The fair price of South Plains Financial Inc (SPFI) is between 31.15 to 40.67 according to relative valuation methord.
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What is South Plains Financial Inc (SPFI) fair value?

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How does SPFI's valuation metrics compare to the industry average?

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What is the current P/B ratio for South Plains Financial Inc (SPFI) as of Jul 28 2025?

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What is the current FCF Yield for South Plains Financial Inc (SPFI) as of Jul 28 2025?

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What is the current Forward P/E ratio for South Plains Financial Inc (SPFI) as of Jul 28 2025?

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What is the current Forward P/S ratio for South Plains Financial Inc (SPFI) as of Jul 28 2025?